700K+ Miles Earned in 7 weeks. Should I cool it a bit?
Jun 3, 2011, 2:28 pm
#1
Original Poster
Join Date: Apr 2011
Location: New York
Programs: AA, BA, CO
Posts: 402
700K+ Miles Earned in 7 weeks. Should I cool it a bit?
Ok, so since I joined this great place 2 months ago here is what I've done to get my projected 700K miles.
AA Citi visa me = 75K
AA Citi visa mom = 75K
BA Chase = 100K
CO Chase = 50
Amex gold = 75K (if use 50% bonus on BA = 112K)
Amex gold for mom = 75K (if use 50% bonus on BA = 112K)
Amex gold Business = 75K (if use 50% bonus on BA = 112K)
Fidelity account = 50K
BankDirect .... will get 7-9K / mo AA miles
I am waiting a bit (1-2 more months) to apply for;
AA Citi Biz = 75K
Chase Sapphire = 50K
Should I cool it a bit? Am I close to going a bit overboard or is everyone here as aggressive if not more? I have not booked a single trip so far but believe me ... I'll fly Business and First very soon.
AA Citi visa me = 75K
AA Citi visa mom = 75K
BA Chase = 100K
CO Chase = 50
Amex gold = 75K (if use 50% bonus on BA = 112K)
Amex gold for mom = 75K (if use 50% bonus on BA = 112K)
Amex gold Business = 75K (if use 50% bonus on BA = 112K)
Fidelity account = 50K
BankDirect .... will get 7-9K / mo AA miles
I am waiting a bit (1-2 more months) to apply for;
AA Citi Biz = 75K
Chase Sapphire = 50K
Should I cool it a bit? Am I close to going a bit overboard or is everyone here as aggressive if not more? I have not booked a single trip so far but believe me ... I'll fly Business and First very soon.
Jun 3, 2011, 3:12 pm
#3
Original Poster
Join Date: Apr 2011
Location: New York
Programs: AA, BA, CO
Posts: 402
yea I know it kind of kills the score but it will go up shortly. I am not planning on getting a mortgage in the next 6-12 months.
just curious to know if I am being too aggressive or if it's all good and average on this forum
just curious to know if I am being too aggressive or if it's all good and average on this forum
Jun 3, 2011, 3:28 pm
#6
Join Date: Dec 2004
Location: SEA
Posts: 1,887
Igor, I'm not talking about the small impact on your credit score. I'm talking about the number of inquiries showing up on your credit report for each of the agencies. If you have good credit, inquiries do not impact your score much. What's more important is how many inquiries you have with the agency they pull to check your credit. Assuming there are no other issues with your credit, the number of inquires can be deciding factor vs. approval or denial. The more inquiries you have and the more recent they are, the less likely you will be approved. If you have a small number of inquiries showing up for a given agency you should look at applying for cards that are likely to pull that agency. It is an educated guess as to what agency will be pulled but it's a good bet that barclays will pull transunion.
Jun 3, 2011, 3:29 pm
#7
Original Poster
Join Date: Apr 2011
Location: New York
Programs: AA, BA, CO
Posts: 402
I actually got denied once on my 2nd app for AA Citi Amex right after I applied for Visa. Other then that, I am getting approved.
just thinking that maybe it's a bit too aggressive. I mean I am holding myself back right now from doing the AA Citi Business card app. Want to give it 3 more weeks, so that it would be a clean 2 months between apps.
just thinking that maybe it's a bit too aggressive. I mean I am holding myself back right now from doing the AA Citi Business card app. Want to give it 3 more weeks, so that it would be a clean 2 months between apps.
Jun 3, 2011, 3:34 pm
#9
Join Date: Dec 2009
Location: Los Angeles
Programs: Hyatt, Hilton, Marriott // WN, AA, BA, UA, AS // Avis
Posts: 1,314
I actually got denied once on my 2nd app for AA Citi Amex right after I applied for Visa. Other then that, I am getting approved.
just thinking that maybe it's a bit too aggressive. I mean I am holding myself back right now from doing the AA Citi Business card app. Want to give it 3 more weeks, so that it would be a clean 2 months between apps.
just thinking that maybe it's a bit too aggressive. I mean I am holding myself back right now from doing the AA Citi Business card app. Want to give it 3 more weeks, so that it would be a clean 2 months between apps.
BankDirect, Fidelity, cc's for you mom dont go on your report. So thats only 5 inq's I see for you. I doubt they are all on the same report... find out which reports have inq's, and which dont, then find cc's that you can apply for that would pull your other bureau's.
Jun 3, 2011, 5:32 pm
#12
Join Date: Apr 2011
Location: ACC
Programs: AAdvantage, MIleagePlus, Skywards
Posts: 395
Should have applied for 2 Citi cards for yourself for more miles, and made them 100k cards- supported by coin purchases. You would have been closer to 850k. 
Are you getting the miles for your moms cards? If so, PM me how that works.
Are you getting the miles for your moms cards? If so, PM me how that works.
Jun 3, 2011, 6:30 pm
#14
Join Date: Mar 2010
Location: Scenic Great Plains USA
Programs: AGR Starwood Whoever I can get points with :D
Posts: 677
I really wish my DH would apply or let me apply for these offers for him. Stubborn man :sigh:
Jun 3, 2011, 6:39 pm
#15
Join Date: Mar 2010
Location: CAE,AGS
Programs: AAExP, Hyatt Globalist, HHonors Gold, IHG Spire, Marriott Plat
Posts: 3,124
Igor, I'm not talking about the small impact on your credit score. I'm talking about the number of inquiries showing up on your credit report for each of the agencies. If you have good credit, inquiries do not impact your score much. What's more important is how many inquiries you have with the agency they pull to check your credit. Assuming there are no other issues with your credit, the number of inquires can be deciding factor vs. approval or denial. The more inquiries you have and the more recent they are, the less likely you will be approved. If you have a small number of inquiries showing up for a given agency you should look at applying for cards that are likely to pull that agency. It is an educated guess as to what agency will be pulled but it's a good bet that barclays will pull transunion.